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The mere mention of budgets can send some people into automatic shut down. This is because there is a common belief that a degree in Financial Management is a necessary prerequisite in order to prepare a workable personal financial worksheet. This is simply not the case. Budgeting does not have to be an exercise in frustration.

Get a Financial Worksheet for Free

As a matter of fact, it is possible to download ready-made spreadsheets for free online. These sheets come complete with categories laid out in a logical format and some of them even have add-ons like charts and summary reports.

One such spreadsheet can be found at Spreadsheet 123. Simply click the Download Now link. This site has a variety of useful templates from simple personal budgeting sheets to more complex corporate finance risk models.

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